Bank Holding Companies

Richmond

Bank of the James Financial Group, Inc., Lynchburg, Virginia -- to engage de novo in providing securities brokerage services.
-Approved, May 2, 2006

Richmond

BNC Bancorp, Thomasville, North Carolina -- waiver of application in connection with the merger of its subsidiary, Bank of North Carolina, and SterlingSouth Bank & Trust Company, Greensboro.
-Granted, May 4, 2006

San Francisco

Chino Commercial Bancorp, Chino, California -- to become a bank holding company and to acquire Chino Commercial Bank, National Association.
-Approved, May 4, 2006

Hudson City Bancorp, Inc., Paramus, New Jersey -- report on competitive factors of the proposed acquisition of Sound Federal Savings, Mamaroneck, New York; and the proposed merger of Sound Federal Savings with Hudson City Savings Bank, Paramus, New Jersey.
-Submitted, May 4, 2006